6968 SE Harbor Circle, Stuart FL 34996, STUART, FL, 34996
Active248 days on marketListed Nov 19, 2025MLS #R11142055
About this home
6968 SE Harbor Circle, Stuart FL 34996
Situated within the exclusive community of Sailfish Point, this exceptional waterfront estate showcases 252 feet of direct water frontage with immediate ocean access. Set on a spacious corner lot, the property offers complete privacy and features a well-equipped dock- perfect for enjoying the South Florida lifestyle. The living spaces combine comfort and elegance, featuring 4 bedrooms, 5 full bathrooms, and 2 half baths. A custom bar and multiple fireplaces enhance the living room, while the spacious, bright kitchen offers an ideal space for dining and entertaining. Large french doors connect the interior to a generous covered terrace, creating a seamless indoor-outdoor flow. The entire second level is devoted to the primary suite, providing a private retreat with a spacious bedroom, dual bathrooms and walk-in closets, a sitting room, office, studio, and a balcony capturing magnificent water and garden views. Two oversized guest suites sit on each side of the main patio, each with its own kitchenette- offering privacy, comfort and convenience for visitors. A bonus room adjacent to the patio provides additional flexibility, perfect for a home gym, yoga studio, or creative workspace. The property also includes a two-car garage with dedicated golf cart space, and a home generator. Living in Sailfish Point provides unparalleled convenience and amenities. Residents enjoy an oceanfront clubhouse, multiple dining venues, tennis and pickleball courts, an 18 hole Jack Nicklaus Signature golf course, state-of-the-art fitness and spa facilities, private beach access, full-service marina, and 24/7 gated security. Enjoy this opportunity to experience life within one of Florida's most prestigious communities.
Facts & features
The home at a glance
4
Bedrooms
6
Bathrooms
6,353
Sqft
0.79 ac
Lot size
2
Garage
2005
Year built
2
Levels
$1,141
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$50,515 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$50,515/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs SAILFISH POINT,Sailfish Point
$1,141 vs $945
Days on market
248 vs 94 typical
Where $1,141/sqft sits among the 6 homes for sale in SAILFISH POINT,Sailfish Point
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Sailfish Point
Get to know Stuart. See the full Stuart guide →
Sailfish Point — neighborhood snapshot
Population
655
Median age
68
Median income
$146,875
Median home value
$683,100
Avg household
2
For the school run
Martin County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Stuart market
$220K → $1.0M
Stuart median sold, yr/yr
94.2%
Sale-to-list ratio (12 mo)
0 of 6
SAILFISH POINT,Sailfish Point have cut their price
Median sold price, Stuart, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3536% above the STUART 34996 median. See the full Stuart market guide →
Paper trail
This home's history
Reality check
What actually sold near 6968 SE Harbor Circle
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$7,995,000
6381 SE Harbor Circle, Stuart FL 34996 · same community
4 bd · 5 ba · 5,661 sqft · $1,412/sqft · 72 DOM
Sold · Aug ’25$2,587,500
2150 SE Golfview Lane, Stuart FL 34996 · same community
3 bd · 5 ba · 5,447 sqft · $475/sqft · 31 DOM
Sold · Mar ’26$4,800,000
2160 SE Golfview Lane, Stuart FL 34996 · same community
6 bd · 4.5 ba · 4,599 sqft · $1,044/sqft · 184 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 6968 SE Harbor Circle — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6968 SE Harbor Circle — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
6968 SE Harbor Circle FAQs
What would the monthly payment be for 6968 SE Harbor Circle, Stuart FL 34996?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $50,515/mo — principal and interest, the actual property-tax bill, the $2,728/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 6968 SE Harbor Circle, Stuart FL 34996?+
The association fee works out to $2,728 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6968 SE Harbor Circle, Stuart FL 34996?+
The most recent tax bill on record (2025) was $69,448. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 6968 SE Harbor Circle, Stuart FL 34996?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Stuart?+
At $7,250,000, this home is listed about 2636% above the Stuart median of $265,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6968 SE Harbor Circle, Stuart FL 34996?+
Stuart Middle School (middle), Felix A Williams Elementary School (elementary), Jensen Beach High School (high) — Martin County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$7,250,000 runs 3536% above the STUART 34996 median — but at 6,353 sqft it's also nearly 6 times the size of the typical Stuart listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $2,728/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
248 days on market against a Stuart median of 94 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Stuart Middle School, Felix A Williams Elementary School, Jensen Beach High School — Felix A Williams Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
Never miss a listing
New Stuart homes, in your inbox
Like 6968 SE Harbor Circle, Stuart FL 34996 but not quite? A daily digest of every new listing in Stuart — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →